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Farmers and Merchants Bancshares, Inc. FMFG

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Price alert · FMFG

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19.00 USD +0.01 +0.05%

At close · Oct 30

18.80 Day range 19.00
16.25 52-week range 21.00
YTD
+10.34%
1 year
+16.92%
Open
18.80
Prev close
18.99
Mkt cap
62.00M
Vol
200
Avg vol
564
EPS
2.29
P/E
8.30
More statistics
Low
18.80
High
19.00

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Financial health

Altman Z-Score

0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 4
  • P/B 4

Valuation

P/E 9.5×
FY 2016: 10.9×FY 2017: 12.9×FY 2018: 10.8×FY 2019: 11.9×FY 2020: 14.8×FY 2021: 8.2×FY 2022: 8.3×FY 2023: 8.4×FY 2024: 15.0×FY 2025: 9.5×
FY 2016 5y median 8.4× FY 2025
P/S 1.2×
FY 2016: 2.5×FY 2017: 2.7×FY 2018: 2.7×FY 2019: 2.7×FY 2020: 2.1×FY 2021: 2.4×FY 2022: 2.4×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 1.2×
FY 2016 5y median 1.7× FY 2025
P/B 0.8×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.2×FY 2022: 1.4×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025
P/FCF 8.7×
FY 2016: 13.5×FY 2017: 6.9×FY 2018: 9.4×FY 2019: 10.6×FY 2020: 10.6×FY 2021: 5.8×FY 2022: 9.9×FY 2023: 10.7×FY 2024: 67.4×FY 2025: 8.7×
FY 2016 5y median 9.9× FY 2025
EV/EBITDA 10.7×
FY 2016: 5.9×FY 2017: 13.0×FY 2018: 8.1×FY 2019: 9.7×FY 2020: 13.1×FY 2021: 6.2×FY 2022: 9.1×FY 2023: 7.7×FY 2024: 4.0×FY 2025: 10.7×
FY 2016 5y median 7.7× FY 2025
EV/Sales 2.0×
FY 2016: 2.2×FY 2017: 4.5×FY 2018: 2.6×FY 2019: 2.9×FY 2020: 2.5×FY 2021: 2.5×FY 2022: 3.6×FY 2023: 2.1×FY 2024: 0.6×FY 2025: 2.0×
FY 2016 5y median 2.1× FY 2025
FCF Yield 11.5%
FY 2016: 7.4%FY 2017: 14.5%FY 2018: 10.6%FY 2019: 9.4%FY 2020: 9.5%FY 2021: 17.1%FY 2022: 10.1%FY 2023: 9.3%FY 2024: 1.5%FY 2025: 11.5%
FY 2016 5y median 10.1% FY 2025

Profitability

Gross Margin 57.7%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 3.3%FY 2020: 89.0%FY 2021: 88.6%FY 2022: 90.7%FY 2023: 71.2%FY 2024: 55.2%FY 2025: 57.7%
FY 2016 5y median 71.2% FY 2025
Operating Margin 16.7%
FY 2016: 34.0%FY 2017: 32.3%FY 2018: 30.4%FY 2019: 28.6%FY 2020: 44.9%FY 2021: 38.5%FY 2022: 37.6%FY 2023: 26.0%FY 2024: 14.0%FY 2025: 16.7%
FY 2016 5y median 26.0% FY 2025
Net Margin 13.1%
FY 2016: 23.2%FY 2017: 21.1%FY 2018: 24.6%FY 2019: 22.6%FY 2020: 14.3%FY 2021: 29.6%FY 2022: 28.8%FY 2023: 19.8%FY 2024: 10.8%FY 2025: 13.1%
FY 2016 5y median 19.8% FY 2025
ROE 8.9%
FY 2016: 10.0%FY 2017: 9.1%FY 2018: 10.4%FY 2019: 9.2%FY 2020: 5.2%FY 2021: 14.4%FY 2022: 16.9%FY 2023: 12.3%FY 2024: 7.6%FY 2025: 8.9%
FY 2016 5y median 12.3% FY 2025
ROIC 2.5%
FY 2016: 1.8%FY 2017: 1.6%FY 2018: 1.9%FY 2019: 1.8%FY 2020: 1.9%FY 2021: 9.0%FY 2022: 7.4%FY 2023: 4.3%FY 2024: 4.2%FY 2025: 2.5%
FY 2016 5y median 4.3% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 0.4%FY 2021: 1.1%FY 2022: 1.1%FY 2023: 0.8%FY 2024: 0.5%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 11.9%
FY 2016: 8.5%FY 2017: 6.6%FY 2018: 6.8%FY 2019: 5.4%FY 2020: -7.1%FY 2021: 46.6%FY 2022: 2.2%FY 2023: 15.4%FY 2024: 21.8%FY 2025: 11.9%
FY 2016 FY 2025
Operating Income 33.8%
FY 2016: -34.1%FY 2017: 1.3%FY 2018: 0.5%FY 2019: -0.7%FY 2020: 45.6%FY 2021: 25.8%FY 2022: -0.1%FY 2023: -20.2%FY 2024: -34.7%FY 2025: 33.8%
FY 2016 FY 2025
EPS (diluted) 32.1%
FY 2016: -9.4%FY 2017: -3.0%FY 2018: 22.9%FY 2019: -4.3%FY 2020: -41.6%FY 2021: 200.0%FY 2022: -1.5%FY 2023: -21.8%FY 2024: -34.1%FY 2025: 32.1%
FY 2016 FY 2025
Free Cash Flow 554.5%
FY 2016: -19.4%FY 2017: 125.6%FY 2018: -23.6%FY 2019: -5.4%FY 2020: -26.8%FY 2021: 203.8%FY 2022: -40.9%FY 2023: -25.3%FY 2024: -81.1%FY 2025: 554.5%
FY 2016 FY 2025

Financial Health

Current Ratio 38.8×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 38.8×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 38.8×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 38.8×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.2×
FY 2016: 0.2×FY 2017: 0.9×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.9×FY 2021: 0.5×FY 2022: 0.8×FY 2023: 1.1×FY 2024: 0.4×FY 2025: 1.2×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 4.1×
FY 2016: -1.0×FY 2017: 5.1×FY 2018: -0.1×FY 2019: 0.6×FY 2020: 2.0×FY 2021: 0.2×FY 2022: 3.1×FY 2023: 1.6×FY 2024: -6.4×FY 2025: 4.1×
FY 2016 5y median 1.6× FY 2025
Interest Coverage 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 127×FY 2020: 37.8×FY 2021: 3.8×FY 2022: 4.9×FY 2023: 0.9×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.2%FY 2017: 1.9%FY 2018: 1.8%FY 2019: 1.9%FY 2020: 2.7%FY 2021: 1.7%FY 2022: 1.8%FY 2023: 2.3%FY 2024: 2.1%FY 2025: 2.5%
FY 2016 5y median 2.1% FY 2025
Payout Ratio 23.0%
FY 2016: 24.1%FY 2017: 25.2%FY 2018: 19.8%FY 2019: 22.4%FY 2020: 39.9%FY 2021: 14.2%FY 2022: 15.2%FY 2023: 19.3%FY 2024: 32.2%FY 2025: 23.0%
FY 2016 5y median 19.3% FY 2025

Annual · latest fiscal year ends 2025-12-31